Company Benefits & Solutions

Managing employee benefits doesn’t have to be complicated or overwhelming. At Mana Insurance Solutions, we offer a better way—one that saves time, reduces costs, and enhances the overall benefits experience for your company and employees. Here’s why businesses choose us over going directly to carriers: 

Key Differentiators:

• Comprehensive Shopping: We compare benefits across top carriers to find the best options for your needs and budget.
• Tailored Solutions: From traditional plans to creative strategies, we maximize value while ensuring comprehensive coverage.
• Stress-Free Process: Leave the heavy lifting to us—we handle communication, education, enrollment, and servicing.
• Innovative Technology: Leveraging the 3rd largest insurance technology distribution system, we streamline the entire process for better participation and satisfaction.
• Proven Cost Savings: Strategies like using GAP plans let you switch to higher-deductible health plans while covering out-of-pocket costs, often saving money for both your company and employees.

 Streamlined Solutions in 5 Easy Steps:

1. Discovery Meeting: We learn about your company, employee needs, and current challenges.
2. Customized Plan Design: Using our expertise and technology, we craft solutions tailored to your goals.
3. Education and Communication: We educate employees, ensuring they understand and appreciate their benefits.
4. Seamless Enrollment: From start to finish, we handle all enrollment activities, including online and in-person options.
5. Ongoing Support: Post-enrollment, we provide continued service to address questions and adapt to your evolving needs.

With our nationwide partnership, we bring cutting-edge technology to your benefits process. This platform simplifies everything from communication to enrollment, helping increase employee participation and satisfaction while reducing administrative headaches.

Features Include:

• Automated enrollment systems for a smoother process
• Enrollment support available for any size client (including language specialists)
• Enrollment availability for evening & weekend appointments
• Real-time tracking of employee participation
• User-friendly dashboards for HR and employees
• Secure storage and accessibility of benefits information

 Many companies struggle with the rising costs of health insurance, but our innovative GAP plan strategy offers a solution. We assist clients in adjusting their health insurance deductibles and then partnering up those plans with our customizable GAP plan, which reduces premiums while ensuring employees remain financially protected against out-of-pocket expenses. 

How It Works:

• Switch to a Higher Deductible Plan: Save on monthly premiums by selecting a plan with higher out-of-pocket costs.
• Offset Costs with GAP Coverage: Use the savings to fund the GAP plan, which covers inpatient and outpatient costs, ensuring employees are shielded from large, unexpected medical expenses.
• Save Money for Everyone: Employers reduce overall healthcare spending, while employees gain peace of mind knowing they have robust financial protection.

Cost-Savings Example:

• Current Premiums with Traditional Plan: $1,000,000 annually for 150 employees.
• Switch to Higher-Deductible Plan Premiums: $695,000 annually.
• GAP Plan Cost: $177,000 annually for $5,000 inpatient and $2,500 outpatient coverage.
• Total Cost with GAP Plan: $872,000 annually.
• Annual Savings: $128,000.
• And the employees end up with stronger, more comprehensive coverage than before!

Open enrollment is a critical time for businesses to evaluate and enhance their benefits offerings. Don’t wait until it’s too late—let Mana Insurance Solutions help you make the most of this opportunity.

Local first! We believe in actively promoting our clients through referrals, social media, newsletters, community events & other networking opportunities. We WILL drive additional business to you!

Yes. This is a HOT TOPIC on our islands and yes, there are several ways to attract & retain higher quality employees through smart, strategic actions.

We have strategies that can help you save money in a numbers of different ways, with many possible at no cost to your business (if you qualify).

Employees rely on business owners to provide additional, financial support when life happens. Many owners feel obligated to give their employees the money they need, & this always causes more problems within the business. We have solutions that will give employees money to take care of their families, and these programs are usually available at no cost to the business owner.

If an employee gets injured at night or on the weekend, statistics show that most of those injuries end up becoming workers comp claims because injured employees continue to show up to work (to receive a paycheck), or employees sometimes come in & claim that it happened on the job, so that workers comp replaces their income & pays for all the medical expenses. We have a solution that can give the employees a better financial outcome, which protects the company from these types of situation & premium increases.

We provide several HR systems & solutions AT NO COST TO OUR CLIENTS that help lower administrative workload, manage documents, improve onboarding, streamline benefits enrollments & can even automate insurance billing & reconciliation!

Many local businesses have access to large revenue opportunities, but don't have the capital to fund the job getting done before getting paid for the job. We work with a trusted partner who loves educating business owners on how to begin using business credit vs personal credit (keeping personal credit scores high) while also giving access to the capital they need. When banks say no, they say yes!

If you're looking for a required insurance program that we don't currently offer, we can make an introduction to someone in our vetted network of outstanding business partners who CAN help you.